TERRITORIAL LIMITS

TERRITORIAL LIMITS

We created iNdemnity360 specifically to cater to freelance contractors and consultants, working either as self-employed or through their own limited company. This includes Employers Liability, Public Liability and Professional Indemnity insurance.

The territorial limits are where your policy will effectively cover you to work. If you do not take the Offshore Insurance Extension, your policy will automatically cover you for all work that you do on land Worldwide (excluding the US/Canada).

If you do any work that is not physically done on land, you will need to take the Offshore Insurance Extension, and you will then get the following choices:

UK, Ireland and European Continental Shelf

This will cover you for onshore work Worldwide (excluding the USA/Canada), and will extend to cover you working whilst offshore on the UK, Ireland and European Continental Shelves.

Rest of World

This will cover you for onshore work Worldwide (excluding the USA/Canada), and will extend to cover you working whilst offshore everywhere else in the world (excluding US/Canada Continental Shelf and Gulf of Mexico).

USA and Canada Continental Shelf

This will cover you for onshore work Worldwide, and will extend to cover you working offshore everywhere else in the world (including US/Canada Continental Shelf and Gulf of Mexico).

Onshore and Offshore Insurance

Onshore insurance will cover you for all work that is physically done on land within the territorial limits identified on your schedule (selected by you when you purchase the insurance). Offshore Insurance will cover you for all work that is not done on land, and will extend to oil rigs/platforms, wind farms and other offshore installations.